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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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kano24 v Citicards


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Hi,

 

I had a credit card with 'the associates' that I closed a couple of years ago. I am trying to find out contact details so that I can write to them about charges.

 

The problem is, I cant find out information about them anywhere. Does anybody know if they have been bought out or merged with another company?

 

Thanks

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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I had an Associates card too, it was, if I remember correctly, sold on to Citibank (Citicards).

 

Hope that helps.

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Hi

 

I have sent my preliminary letter to CITICARDS as I too had an ASSOCIATES card. Received a reply about the £10 fee so don't make my mistake and pay the fee straight away to avoid delays.

 

Their address is

 

RICHARD COOKE

DATA PROTECTION OFFICER

CITI CARDS

CITIFINANCIAL EUROPE PLC.

1 EXCHANGE QUAY

SALFORD

MANCHESTER

M5 3EA

 

Hope this helps

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  • 3 months later...

Hi All,

 

I have been going backwards and forwards with CitiBank over the past month or so after asking for my charges back, and have just recieved their final response. I must say that what they said did stop me in my tracks a bit but after speaking with Bankfodder, I am going ahead and issuing a claim tomorrow.

 

Bankfodder has asked me to post what they have said just incase anybody else has recieved the same reply.

 

 

"Following a review of your situation, I have been made aware that you are currently fulfilling an IVA for your overall indebtedness. In order for you to have been accepted onto an IVA your creditors, including ourselves, must have accepted short settlement of the debt you owed on your accounts. For this reason we will not honour your request for a refund of default fees, which may have been levied, as this will mean reversing the IVA agreement and you benefiting twice"

 

 

Any thoughts on the argument that I have recieved from CitiBank would be much appreciated before I submit the claim.

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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Citi are just unbeleivable - as you will be aware only 75% of creditors have to agree to proposal - the rest have no choice

Have a look here for info on claiming when in an IVA

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/26925-business-account-over-19-a.html

Consumer Health Forums - where you can discuss any health or relationship matters.

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Claim issued 04/12/06. Let the battle commence! :)

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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As I have already explained to you, there are two aspects to this and to dealing with Citi's letter.

Firstly, as their charges are unlawful in that they are unenforceable law, it can be said that they have contributed to your indebtedness and in this way they are partially responsible for the problems caused to your other creditors.

When city finally pay you back your charges -- which they will do even if it has to be by force through the courts, there is no doubt that you will have to account to your creditors. Citi are part of the IVA agreement. They will not be able to seize the repayment for themselves. They will be obliged to share it out with the other creditors. Furthermore as the repayment of the money to you will reduce or do away altogether with your debt to them then they may find themselves out of the loop altogether.

If it can at all be shown that it was their unlawful charges which created your problems and therefore created the problems with your other creditors for which they themselves have had to suffer then we do find ourselves with some very interesting questions indeed as to Citi's general liability.

Citi's logic is flawed and their letter really is nonsense. Was it written by city or was it written by a solicitor? If it was written by a solicitor I would have no hesitation in sending it to the court and also to the Law Society and asking them whether they consider that it is a proper letter to be sent out.

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Had a letter from Lloyds TSB solicitors today who are very concise and to the point, whereas Citi do seem to come up with alot of invalid points in an effort to defend their client.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Have you completed your IVA yet?

If not then none of your creditors will actually have received any payment.

In which case your supervisor could simply not pay anything to Citi. If they still owe you money then seek that through the courts. The IVA has nothing to do with your overall claim.

I need to read the rest of your thread though.

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Citi's logic is flawed and their letter really is nonsense. Was it written by city or was it written by a solicitor? If it was written by a solicitor I would have no hesitation in sending it to the court and also to the Law Society and asking them whether they consider that it is a proper letter to be sent out.

 

This is what I felt compelled to write to them recently:-

 

Such inconsistencies in your actions indicate that if you are not acting upon sound, professional, legal advice, then you should be. If you are acting upon professional. legal advice, you should perhaps be seeking that advice elsewhere.

 

Elsinore

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Sorry for the delay in replying. Have been away from work for the past few days.

 

In answer to your question Bankfodder, the reply was not from a solicitor but from Mark Clibbens in the office of the chief executive. I havent bothored replying to him because this was the third rejection letter I recieved from them. Just issued the court claim. I guess its now a case of waiting and seeing what happens.

 

Thanks for all your advice guys.

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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Just looked on MCCOL, Citicards acknowledged 07/12/06. They are not wasting anytime so far!

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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  • 1 month later...

Well, Looks like Citicards are slipping a bit!

 

They acknowleded my claim pretty quick but failed to submit a defence within 28 days, so I requested judgement yesterday and just checked MCOL and that has been issued today! :D:D:D:D

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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Well, I have just spoken to the infamous Brian Smith and asked him when I could expect my money.

 

Said that he would still be putting in a defence. When I asked why he had not done it within the time limit he replied "er, Im not quite sure".

 

Warrant of applied for 11/01/07!

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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Can't see the judge accepting the defence late.

 

If they have been unprepared or let it slip through the net thats Citi's fault not yours.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Well,

 

I applied for the warrant on 11/01/06, and recieved a letter from Brian Smith at Citicards stating that they had 'mislaid' my claim and would be putting in an application for judgement to be set aside.

 

Have just checked the MCOL site and status of my warrant states 'rejected'

 

Looks like MCOL has set aside the judgement, so I will await the paperwork to come through.

 

It makes me furious that a multinational company such as Citicards can get away with abusing the court system this way.:-x

 

Still, It has made me more determined to fight them every step of the way!

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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Maybe ringing them and bringing it to their attention was not the best move .We do continually advise people not to phone the banks / solicitors .

 

Keep us posted please

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Ok,

 

Recieved a 'Notice of tarnsfer of proceedings to another county court' notice this morning. Reason given was that an application to set aside judgement had been made. Follwing text was written by Brian Smith -:

 

"The claiment is claiming as a debt monies he purports to have paid to the Defendant by the way of bank charges. The amount of his claim excluding fees is £1359.17 made up of principal and interest. My client operated an account with the claiment. He failed to make his payments [unreadable] using the credit facility and my client eventually charged the account off, and sold the debt amounting to £1593.27. The claiment therefore owed my client more than he alleges it owed him. Moreover he us basing his claim on a misreading of common law and contract law. My client, notwithstanding it failed to lodge a defence in due time, has a complete defence to this action and respectfully requests that the judgement in default be set aside"

 

What should I do? Should I reply to this now or wait for something else from the court? Any help gratefully recieved!

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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Yes, It has been transferred to my local county court

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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It's now up to the Court to consider Citi's application for a setaside. You can object to Citi's application but it is likely to suceed. The Court may order directions to both parties or it might set a date for a directions hearing.

 

If you want to object to the setaside application I suggest you ask on here for assistance. The Site Helpers and Mods will guide you in the right direction.:)

 

Elsinore

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Got a letter from court today. Date for the setaside hearing is on 1/2/07!

Lloyds TSB - £2808 Settled in full 15/11/06

HSBC - Settled £810.56 in full 11/11/06

BarclayCard - Data Protection Act sent 05/09/06

Failed to privide information - Complaint issued to the Information Commissioners Office 12/10/06

NatWest - £54 settled in full 15/11/06

Capital One - Prelim Letter sent 16/10/06

LBA sent 30/10/06

CitiCards - Prelim Letter sent 29/09/06

LBA sent 10/10/06

Claim issued 04/12/06

Acknowledged 07/12/06

StyleCard - Cheque for £130.00 recieved 20/10/06 - FULL SETLLEMENT!

RFS - Settled in full £494 08/1/07

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